Howden

Howden is one of the world's largest employee-owned insurance intermediaries, operating across the full insurance value chain in over 100 countries. Founded in 1994 by three friends, the group has grown to over 23,000 colleagues managing $42 billion in premiums on behalf of approximately 1.7 million clients. Howden delivers innovative insurance and risk solutions spanning retail broking, specialty, wholesale, underwriting, reinsurance, and capital markets advisory. As the 5th largest employee-owned business in the UK, Howden's ownership structure is central to its identity — aligning employee and client interests. The group serves clients from small businesses to large multinationals across sectors including financial institutions, energy, construction, marine, cyber, and more, with particular strength in specialty and complex risk markets.